Resurgent Capital Services L.P

2019-10-12

Perris, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-10-11

Hampton, VA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: TheFCRAstatesthatthecreditbureausmustverifyallinformationthattheygetfromthebanks,creditcardcompanies,etc.,beforeputtingitonyourcreditreport. WhattheCRAsmusthaveistheORIGINALSIGNEDDOCUMENTfromwhenIopenedthebusinessaccountthatispostedonmycreditreport. Section609oftheFairCreditReportingActstatesthatIshouldbesenttheORIGINALSIGNEDDOCUMENTSinordertoverifyiftheaccountsarevalid. SincetheyhavenotsentmesuchdocumentstheyareobligatedundertheFairCreditReportingActtodeletethoseunverifiedaccounts. Therefore,IamrequestingthattheseaccountsbedeletedfrommyCreditReportAgencies. XXXXXXXX-XXXXAccountsrelatedtothiscomplaint:Account#1:Collector:XXXXXXXXXXXXXXXXLastreportedXX/XX/2019{$630.00}OpenbalanceUNIVOFXXXXXXXXOriginalcreditorAccount#2:Collector:LVNVFUNDINGLLCLastreportedXX/XX/2019{$450.00}Openbalance12XXXXXXXXNAOriginalcreditorAccount#3:Collector:XXXXXXXXXXXXLastreportedXX/XX/2019{$170.00}Openbalance11XXXXXXXXOriginalcreditor
Company Response: Closed with explanation

Timely Response

2019-10-10

Cordova, TN

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: I received a garnishment letter from my job stating that wages were being taken for LVNV FUNDING LLC, for credit card debt. I was never informed of this debt or received any notice of garnishment. I had to go to court to try to stop te garnishment and I was told that I was in fault of default judgement for the following case Case : XXXX LVNV FUNDING LLC, I looked into laws and my rights and found out the this company do not have license to collect in the state of TN. Details License # Status Expiry Date Rank Name ATTN Original Date XXXX Application Expired ' LVNV FUN $ DING LLC, ' XXXX Application Withdrawn ' LVNV FUNDING, LLC, ' This company is collecting {$1000.00}. Not only did they not give me notice or proof of this debt they are not allow to collect in TN
Company Response: Closed with explanation

Timely Response

2019-10-10

Asheboro, NC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Current Owner : LVNV Funding LLC Reference Number : XXXX To whom it may concern : This company has a false account that is reporting on my XXXX report as a debt that needs to be removed or i will be contacting my attorney ( Information below ) as i just had a settlement with XXXX for false statements on my credit report rewarding me in {$500.00} for incorrect reporting. This is my final request for a actual document proving who this belongs to. My final request, send all proven documents to my North Carolina address listed below. I have shown given proof that this account is not mine and has never been mine by this so called credit one. I have a signed statement from 2018 that this XXXX XXXX has never had any relations with myself. Please remove this account and while this investigation is going on you have 30 days of no reporting in which you never abide by before. That is a violation.
Company Response: Closed with explanation

Timely Response

2019-10-10

Cape Girardeau, MO

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2019-10-10

Bronx, NY

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I have tried on three different occasions to have them validate this debt. They never reply ' all they do is update the notes on my credit report, which states, " Consumer disputes this account information Collection account. '' I have no idea what this debt it.
Company Response: Closed with explanation

Timely Response

2019-10-09

IA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: I contacted XXXX XXXX XXXX about resolving a balance I owed to them. They informed me that they had sold my account to a company called LVNV Funding. I called LVNV Funding and they told me that a company named Resurgent Capital Services LP was handling this account. I called Resurgent Capital Services and was told that a company called XXXX XXXX was handling my account. I called XXXX XXXX and they offered me a settlement to pay this account and it will not be reported to my credit report. However, Resurgent has reported this to my credit report after this. I called them and they seem interested only in harming people 's credit profiles rather than the account being paid. This is an overly convoluted process when I had willingly been trying to settle this debt before ever being contacted by this company. This is very deceptive and confusing for consumers.
Company Response: Closed with explanation

Timely Response

2019-10-09

Atlanta, GA

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-10-08

TN

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: I dispute this amount with LVNV funding. I dont know what that is They called me and threaten me. And hung up on me
Company Response: Closed with explanation

Timely Response

2019-10-08

Nixa, MO

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-08

Nyc, NY

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you without properly notifying you of lawsuit
Complaint: My name is XXXX XXXX Today I received a Notice of Garnishment from XXXX XXXX XXXX # XXXX City of XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX , NY XXXX. For a judgement of {$6700.00} plus interest and fees for a total of {$11000.00} The judgment creditor is Cach, LLC.no address or telephone #. Also on this letter is a Company call XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX # XXXX, ext XXXX On this letter they are saying that a garnishment has been filed against my paycheck. This is a big scam by Cach , LLC. XXXX XXXX XXXX XXXX and by the New York XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-10-08

South Florida, FL

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I was on a payment plan, paying $ XXXXmonth. During this " 3month hardship, i wasnt supposed to get late fees. '' However, they continued to charged me late fees. as I was paying what was agreed. I made several phone calls, they told me the program would take effect after 3 payments of {$90.00} was made. After the 3 payments, still the same thing. late fees. So I stopped paying, because they couldnt give me what was initially promised.
Company Response: Closed with explanation

Timely Response

2019-10-08

Gloucester City, NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: creditor : resurgent captial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX ( XXXX ) on XX/XX/2019 we had sent a notice of dispute of debt and request for debt validation to the creditor listed above, which is listed on our credit report. We have not heard anything back, and it has been over 30 days. We do not know what this debt is, and any attempt to try and figure it out has been unsuccessful.
Company Response: Closed with explanation

Timely Response

2019-10-07

Apple River, IL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Complaint: On XX/XX/2019, I receieved a copy of a Summons that was sent to XXXX XXXX XXXX XXXX Ill, I don't have a bank account with them. This bill is about 12-15 years old in Illinois the city of XXXX they are still allowing them to try to collect on this credit card is this legal or not?
Company Response: Closed with explanation

Timely Response

2019-10-07

LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: An account with XXXX was opened under my name and social security account for an amount of {$15000.00} in XXXX XXXX and I identified the identity theft in XX/XX/XXXX. My identity was stolen and this account was opened. XXXX ( XXXX ) has since charged off and CACH LLC purchased the account from XXXX. I have been summoned to court and attempting to clear this account from my name, since I never applied for such an accounts. Currently the XXXX XXXX XXXX Law firm is from XXXX XXXX LA is the current debt collector and has taken me to court. I am currently in the process of waiting for an official letter from The U.S. Office of Personnel Management ( OPM ) and the U.S. Department of Defense ( DoD ) since my data was included in a e cyber incident involving background investigations. I have been given access to My ID experts for credit monitoring. I ask that this be cleared from all 3 of my credit reports.
Company Response: Closed with explanation

Timely Response

2019-10-07

Macclenny, FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: Resurgent Capital Services, Collector, under the name of Lvnv Funding, is reporting on XXXX Credit Reporting an account # XXXX due in the amount of {$680.00} which is paid, with the original creditor XXXX/XXXX under account # # XXXX which is reported by the original creditor as paid XXXX balanced.I need this account closed, It's false and need to be reported closed.Lvnv Funding need to do this now.
Company Response: Closed with explanation

Timely Response

2019-10-07

Bellaire, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: DisputeLvnvFundingL.L.CreinsertedinformationremovefromXXXXXXXXconsumerfilepreviouslydeletedpursuant(A)FCRAthelawstatetheagencyshallnotifytheconsumerinwritingnotlaterthan5businessdaysafterreinsertioninformationthatmayaremaynotbeaccurateIreceivednosuchnotificationthisisaseriousviolationoftheFCRAandIreservetherighttopursuefurtheractionimmediatelyifnotremove.datereinsertedbetweenXX/XX/XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-07

Patterson, MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with LVNV Funding LLC collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Closed with explanation

Timely Response

2019-10-07

Lower Makefield, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-10-06

Tarzana, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: LVNV Funding is reporting an account that does not belong to me. I have never opened any good nor have I benefited from this account! This account is not mine. I am not liable nor am I responsible {$930.00}. THIS MUST BE REMOVED FROM ALL of my credit files! I have been a victim of identity theft. Please see attached FTC with LVNV listed on it. RESOLVE AND REMOVE IMMEDIATELY! I have not opened this account therefore I am not responsible for this account however LVNV Funding is holding an innocent individual like myself liable for this fraudulent account/amount ( {$930.00} ). I will also be filing a XXXX towards LVNV Funding for holding me liable for this account that I never opened nor have I given anyone authorization to do so therefore this account was due to fraud. Resolve issue ASAP!
Company Response: Closed with explanation

Timely Response

2019-10-06

Mitchell Field, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-06

Moore, OK

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-06

Thompsons Station, TN

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I XXXX XXXX hereby confirms that a debt collection submitted against me by a debt buyer is in fact a complete scam. The original creditor known as XXXX XXXX XXXX XXXX. securitizes all of its debt portfolios. In essence, my original credit card debt was sold off to a securitized investment pool. XXXX XXXX XXXX XXXX. was never in a position to acquire this debt from a position in any securitization unless my credit card debt was a matter of public record. The debt purchaser known as Resurgent/LVNV Funding has shown no licensing agreement with the state of Tennessee, nor has it proved ownership by a valid transfer of debt. This collection is within the legal definition a scam initiated against a consumer, and this is not an isolated matter. Accordingly, I demand actions by the Consumer Financial Protection Bureau, the Federal Trade Commission and the Federal Deposit Insurance Corporation to review my complaint. The debt collector can not prove ownership as my information was acquired through a debt pooling arrangement with the original creditor. At no time was there anything conformation of a debt ownership transfer, nor can there be given proof. My credit report has been tarnished because of this scam. XXXX XXXX XXXX XXXXXXXX. is not in a position to re-acquire the debt from a debt buyer, as they have already claimed ownership and the right to sell the debt to a third-party. XXXX XXXX XXXX XXXX. does not own this debt since the placement into a securitized investment. This scam is complicit with both the debt buyer Resurgent/LVNV Funding and XXXX XXXX XXXX XXXX, an FDIC insured financial institution. XXXX XXXX XXXX FDIC Certificate Number is XXXX XXXX XXXX, XXXX, simply referred to as XXXXXXXX XXXX XXXX , is a U.S.-based bank specializing in credit cards. It has corporate offices in XXXX XXXX, Nevada. The bank is held by XXXX XXXX XXXX, a bank holding company registered in Nevada. [ 2 ] XXXX XXXX XXXX is a wholly owned subsidiary of XXXX XXXX XXXX, XXXX. [ 3 ] As of 2017, XXXX XXXX XXXX services more than XXXX XXXX cardholders across the United States. This debt collection must be dismissed completely and my information purged from all future collection practices. The references placed on all pertinent credit bureaus must be deleted permanently.
Company Response: Closed with explanation

Timely Response

2019-10-06

Oxford, GA

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt is not yours
Complaint: After notifying RESURGENT capital services several times that I, Am being represented by an Attorney, They are still sending me letters about a debt that, I do not owe and is not communicating with my attorney a directed. This is a violation of Federal Law. They are falsely claiming that, I owe {$1000.00} ( Dollars ) concerning the above debt.
Company Response: Closed with explanation

Timely Response

2019-10-06

Oxford, GA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: LVNV Funding LLC, Has falsely submitted information to Resurgent capital services stating that, I owe them {$1000.00}. Which is not true, I received a letter from Resurgent capital services, Dated XX/XX/2019, concerning the above issue. I do not owe this debt and the information is false that LVNV Funding has submitted.
Company Response: Closed with explanation

Timely Response